Affordable Housing Credit Analyst - MLO Denver

Affordable Housing Credit Analyst - MLO Denver, CO

Zions Bancorporation, N.A. (NYSE: ZION) is a premier financial services company with ~$100B in assets operating through eight brands in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming. With a leading market share in small and middle-market banking, the Bank’s 500+ client managers and 200+ wealth advisors maintain vigorous client development strategies that feed into Zions Capital Markets.

California Bank & Trust, an affiliate of Zions Bancorporation, complements this strength by delivering relationship-centered banking in California while supporting clients across the broader Zions Bancorporation footprint, including Colorado, and leveraging the firm’s multi-state capabilities, resources, and award-winning client satisfaction. This role will report into the California Bank & Trust Affiliate.

We are looking for an Affordable Housing Credit Analyst - MLO to provide top notch customer service to our clients and customers in Denver, CO
. If you are passionate about being part of a community, being a team player, and helping others reach their financial goals, then we are interested in speaking with you!

• Conducts credit investigations and analyzes credit information pertaining to loans.
• Investigates all available sources of credit and financial information, including reporting services, credit bureaus, other companies, main office files, and branches.
• Analyzes financial statements and related material.
• Analyzes financial conditions and trends.
• Reviews and reports non-compliance with loan covenants.
• Determines cash flow using appropriate tax analysis.
• Prepares summaries, presents facts, and offers opinions concerning creditworthiness.
• Provides credit information and references for customers, loan officers, or other agencies as requested.
• May provide rates and loan information to clients.
• Ensures that all credit files include proper documentation including current financial statements, agency reports, etc.
• Maintains control over current accounts, noting payment progress, watching for any developing problems, and keeping loan officers informed.
• Writes credit memorandums.
• Accompanies lenders on business calls.
• Conducts industry research.
• Assists with special projects as assigned.

• Requires a Bachelor's and 2+ years of credit analysis experience, lending/credit procedures and processes or other directly related experience. A combination of education and experience may meet requirements.
• Working knowledge of financial and spread analysis and credit/lending procedures for moderately complex loans.
• Full use and application of commercial credit principles, theories, concepts, and techniques.
• Ability to work with lending officers and staff.
• Solid communication skills, both verbal and written.
• Ability to make sound decisions regarding loans.
• Solid PC skills are required.

This position is eligible to earn an hourly wage in the range of $37.98hr - $43.00hr
, depending on job‑related factors such as experience level and location.
This position is in-office and does not offer a hybrid schedule.

• Medical, Dental and Vision Insurance – START DAY ONE!
• Life and Disability Insurance, Paid Paternal Leave, and Adoption Assistance
• Health Savings (HSA), Flexible Spending (FSA), and dependent care accounts
• Paid Training, Paid Time Off (PTO), and 11 Paid Federal Holidays
• 401(k) plan with company match, Profit Sharing, competitive compensation in line with work experience
• Mental health benefits, including coaching and therapy sessions
• Tuition Reimbursement for qualifying employees
• Employee Ambassador preferred banking products

This position will be open until filled.

All candidates, including those with criminal histories will be considered for employment. However, a background check adjudicated consistently with the FDIC Section 19 regulation will be completed on any candidate who accepts a conditional job offer from the Company. Because the Company is a financial institution, the FDIC guidelines apply to all positions within the company and as such any and all job duties have a direct relationship to a…